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Ludmila, married, runs a small business selling jewelry items in the local mall in her hometown of Vasilyevka. Her merchandise is always very elegant and her prices are competitive. Ludmila has kept her business running for the past 5 years due to her outstanding determination and stamina. Currently, she earns about 70,000 Grivnyas of gross income a month.

Ludmila is seeking a loan of 12,000 Grivnyas in order to increase her working capital. Many of her customers are investing their funds in gold items in this unstable time of global economic recession. Ludmila is an optimist. She always hopes for the best and believes that her business will continue to grow and to provide a good income in the future as well.

Additional Information

About HOPE Ukraine

HOPE International, a Christian faith-based non-profit organization, has been operating in Ukraine since 1997. HOPE Ukraine was the organization’s first international venture. In addition to its core microfinance activities, HOPE also supports an active children's ministry in Ukraine in the form of “Tomorrow Clubs,” after-school programs that teach children the gospel through games, skits and songs.

About Ukraine

  • $8,200
    Average annual income
  • 3
    View loans »
    Ukraine Loans Fundraising
  • $6,313,275
    Funds lent in using Kiva
  • 8.6
    Ukraine Hryvnia (UAH) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,425 helped Ludmila to increase her working capital.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Sep 4, 2009
Sep 16, 2009
Currency Exchange Loss:
Mar 15, 2010